Case Study: Embrace Pet Insurance achieves 5-day faster reimbursements and 92% cost savings with Dwolla

Pet Insurance Company Embraces ACH Payments for Efficient Claim Reimbursement

Embrace Pet Insurance, a provider of customizable accident and illness coverage for dogs and cats, was struggling with inefficient, manual reimbursement workflows—processing tens of thousands of monthly claims with paper checks and a slow ACH process that required hours of daily data entry. To modernize payments and reduce cost and delay, Embrace evaluated payment vendors and selected Dwolla.

Embrace integrated Dwolla’s ACH/payment API (leveraging features like IAV and Next Day) to automate direct-deposit reimbursements; the integration took just over three months. As a result, almost half of reimbursements now go via ACH, policyholders are paid five days faster, and Embrace reports over 92% cost savings versus checks and an 800% improvement in reimbursement efficiency—saving thousands monthly and avoiding the need to hire additional staff thanks to Dwolla.

Embrace Pet Insurance

Eric Wainscott

Senior Controller